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Understanding the determinant of SME owners’ intention to have bank credit

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Warianty tytułu
PL
Postrzeganie determinant zamiarów właścicieli małych i średnich przedsiębiorstw do posiadania kredytów bankowych
Języki publikacji
EN
Abstrakty
EN
This study aims to analyze factors affecting the intention of SME owners to obtain bank credit by integrating the Theory of Interpersonal Behavior (TIB) and the Theory of Technology Acceptance Model (TAM) frameworks. We generate our data from the survey of 150 SME owners located in the Salatiga City, Indonesia. The study uses the purposive sampling method to generate our sample. Using SEM PLS technique to analyze our data, we show that (1) the attitude toward bank credit; the social; emotional factors of bank credit and perceived usefulness of bank credit positively affect the intention to have bank credit and (2) perceived usefulness of bank credit and perceived ease of use of bank credit positively affects attitude toward bank credit. This explains that interest of SME owners have bank credit is influenced by cognitive, social and affective factors. Meanwhile, cognitive factors are determined by the understanding of SME owners about the use of bank credit for business development and the ease of applying for banking credit. Considering the use of bank credit perceived to have the greatest influence on the intention to have banking credit, to encourage the intention of SME owners to apply for bank credit; it is necessary to intensively socialize the benefits of bank credit among the SME owners.
PL
Niniejsze badanie ma na celu przeanalizowanie czynników wpływających na zamiar działania właścicieli MŚP, uzyskania kredytów bankowych poprzez integrację teorii zachowania międzyludzkiego (TIB) i modeli teorii akceptacji technologicznej (TAM). W badaniu wzięło udział 150 właścicieli MŚP zlokalizowanych w mieście Salatiga w Indonezji. Do wygenerowania próby wykorzystano celową metodę próbkowania. Wykorzystując do analizy naszych danych technikę SEM PLS, wykazano, że: (1) stosunek do kredytu bankowego; społeczne; emocjonalne czynniki kredytu bankowego i postrzegana przydatność kredytu bankowego pozytywnie wpływają na zamiar posiadania kredytu bankowego i (2) postrzegana przydatność kredytu bankowego i postrzegana łatwość korzystania z kredytu bankowego pozytywnie wpływają na stosunek do kredytu bankowego. To wyjaśnia, że na zainteresowanie właścicieli MŚP kredytem bankowym wpływają czynniki poznawcze, społeczne i afektywne. Czynniki poznawcze determinowane są świadomością właścicieli MŚP na temat wykorzystania kredytu bankowego na rozwój biznesu i łatwością ubiegania się o kredyt bankowy. Biorąc pod uwagę kwestię wykorzystania kredytu bankowego, co wydaje się mieć największy wpływ na zamiar posiadania kredytu bankowego, aby zachęcić właścicieli MŚP do ubiegania się o kredyt bankowy, konieczna jest intensywna socjalizacja korzyści płynących z kredytu bankowego wśród właścicieli MŚP.
Rocznik
Strony
165--174
Opis fizyczny
Bibliogr. 36 poz., rys., tab.
Twórcy
  • Universitas Kristen Satya Wacana, Indonesia, Faculty of Economics and Business
  • Universitas Kristen Satya Wacana, Indonesia, Faculty of Economics and Business
autor
  • Universitas Kristen Satya Wacana, Indonesia, Faculty of Economics and Business
Bibliografia
  • 1. Agarwal R., Prasad J., 1998, A conceptual and operational definition of personal innovativeness in the domain of information technology, “Information Systems Researcher”, 9(2).
  • 2. Ajzen I., 1991, The Theory of Planned Behavior,“Organizational Behavior and Human Decision Processes”, 50(2).
  • 3. Alalwan A.A., Dwivedi Y.K., Rana N.P., Algharabat R., 2018, Examining factors influencing Jordanian customers’ intentions and adoption of internet banking: Extending UTAUT2 with risk, “Journal of Retailing and Consumer Services”, 40
  • 4. Aldhmour F., Sarayrah I., 2016, An investigation of factor influencing consumers the intention to use online shopping: An empirical study in South of Jordan, “Journal of Internet Banking and Commerce”, 21(2).
  • 5. Alzubi M.M., 2017, The mediating role of Awareness in the intention to use internet banking among SME in Yemen, “Journal of Internet Banking and Commerce”, 22(2).
  • 6. Basri H., Majid M.S.A., Wahyuni D., 2016, Why do Indonesians intend to engage in Islamic Home financing, “Skyline Business Journal”, 7(1).
  • 7. Bogart W.V.D., Wichadee S., 2015, Exploring students’ the intention to use LINE for academic purposes based on Technology Acceptance Model, “International Review of Research in Open and Distributed Learning”, 16(3).
  • 8. Caneghem T.V., Campenhout G.V., 2012, Quantity and quality of information and SME financial structure, “Small Business Economics”, 39.
  • 9. Chau P.Y.K., Hu P.J., 2002, Examining a model of information technology acceptance by individual professionals: an exploratory study, “Journal of Management Information Systems”, 18(4).
  • 10. Chavis L., Klapper L., Love I., 2010, International differences in entrepreneurial finance, “Enterprise”, 11.
  • 11. Chipeta E.M., Surujlal J., 2017, Influence of attitude, risk-taking propensity and proactive personality on social entrepreneurship intention, “Polish Journal of Management Studies”, 15(2).
  • 12. Davis F.D., 1989, Perceived usefulness, perceived ease of use, and user acceptance of information technology, “MIS Quarterly”, 13(3).
  • 13. Davis F.D., Bagozzi R.P., Warshaw P.R., 1989, User acceptance of computer technology: a comparison of two theoretical models, “Management Science”, 35(8).
  • 14. de Sena Abrahão R., Moriguchi S.N., Andrade D.F., 2016, Intention of adoption of mobile payment: An analysis in the light of the Unified Theory of Acceptance and Use of Technology, UTAUT, “RAI Revista de Administração e Inovação”, 13(3).
  • 15. Fishbein M., Ajzen I., 1975, Belief, attitude, the intention, and behavior: An introduction to theory and research, Addison-Wesley Publishing Company.
  • 16. Gamage P., 2013, Determinant of access to bank for small and medium enterprises: The case of Sri Lanka, “Corporate Ownership & Control”, 10(3).
  • 17. Gichuki J.A.W., Njeru A., Tirimba, 2014, Challenges Facing Micro and Small Enterprises in Accessing Credit Facilities in Kangemi Harambee, “International Journal of Scientific and Research Publications”, 4(1).
  • 18. Hair J.F., Sarstedt M., Pieper T.M., Ringle C.M., 2012, The use of partial least squares Structural Equation Modeling in strategic management research: A review of past practices and recommendations for future applications, “Long Range Planning”, 45(5-6).
  • 19. Harvey J., Macht S., Sharma S., Johnson A., Regan S., Wood C., 2012, An exploration into the demand and supply constraints around SME access to finance, “Working paper”, Northumbria University.
  • 20. Heshmati N., 2013, The impact of networking on access to bank finance for SMEs, “Working paper”, Halmstad University.
  • 21. Hsu M.W., 2016, An analysis of the intention to use in innovative product development model through TAM Model, “Eurasia Journal of Mathematics, Science & Technology Education”, 12(3).
  • 22. Jamshidi D., Hussin N., 2016, Forecasting patronage factors of Islamic credit card as a new e-commerce banking service: An integration of TAM with perceived religiosity and trust, “Journal of Islamic Marketing”, 7(4).
  • 23. Kansal P., 2016, Perceived risk and Technology Acceptance Model in self-service banking: A study on the nature of mediation, “South Asian Journal of Management”, 23(2).
  • 24. Khan A.P., Khan S., Xiang I.A.R., 2017, Factors Influencing Consumer Intentions to Adopt, “Business & Economic Review”, 9(2).
  • 25. Li C.F., 2013, The revised Technology Acceptance Model and the impact of individual differences in assessing internet banking use in Taiwan, “International Journal of Business and Information”, 8(1).
  • 26. Liu M.T., Chu R., Wong I.A., Zúñiga M.A., Meng Y., Pang C., 2012, Exploring the relationship among affective loyalty, perceived benefits, attitude, and intention to use co-branded products, “Asia Pacific Journal of Marketing and Logistics”, 24(4).
  • 27. Maditinos D., Chatzoudes D., Sarigiannidis L., 2013, An examination of the critical factors affecting consumer acceptance of online banking: A focus on the dimensions of risk, “Journal of Systems and Information Technology”, 15(1).
  • 28. Moody G.D., Siponen M., 2013, Using the Theory of Interpersonal Behavior to explain non-work-related personal use of the internet at work, “Information & Management”, 50(6).
  • 29. Munoz-Leiva F., Climent-Climent S., Liébana-Cabanillas F., 2017, Determinants of intention to use the mobile banking apps: An extension of the classic TAM model, “Spanish Journal of Marketing”, 21(1).
  • 30. Pee L.G., Woon I.M.Y., 2008, Explaining non-work-related computing in the workplace: A comparison of alternative models, “Information & Management”, 45(2).
  • 31. Quan V.D.H, Nam T.H., 2017, Perceived risk and the intention to use credit cards, “International Research Journal of Finance and Economics”, 159.
  • 32. Quartey P., Turkson E., Abor J.Y., Iddris A.M., 2017, Financing the growth of SMEs in Africa: What are the constraints to SME financing within ECOWAS?, “Review of Development Finance”, 7.
  • 33. Triandis H.C., 1977, Interpersonal behavior, Brooks Pub.co.
  • 34. Triandis H.C., 1980, Values, attitudes, and interpersonal behavior, “Nebraska Symposium on Motivation”, 27(1).
  • 35. Wang Y., 2016, What are the biggest obstacles to growth of SMEs in developing countries? - An empirical evidence from an enterprise survey, “Borsa Istanbul Review”, 16(3).
  • 36. Wong K.T., Osman R.B.T., Goh P.S.C., Rahmat M.K., 2013, Understanding student teachers’ behavioral the intention to use technology: Technology Acceptance Model (TAM) validation and testing, “International Journal of Instruction”, 6(1).
Uwagi
Opracowanie rekordu w ramach umowy 509/P-DUN/2018 ze środków MNiSW przeznaczonych na działalność upowszechniającą naukę (2018).
Typ dokumentu
Bibliografia
Identyfikator YADDA
bwmeta1.element.baztech-c114a921-7aa6-4613-948d-031d118a751b
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